Bad Service/No Help/Drowning

I have 2 loans with African Bank, once COVID hit I was on the No-work, No-Pay from company for 3 months. In that time I still made payments to them from my savings. I have made payments everything single month but not the installment, we had made arrangements for less amount which means my current installment is not being paid. With said, I am in arrears with them, I have asked them numerous times, if they cannot restruction the loans so then I can start fresh with the current balance and installment and they just say No. I am really struggling as this is affecting my current score rating. I pay all my debts on time but I just want them to help me restruction the loans so I can be up to date with them.

I cannot do anything just because of the no/low payments of African Bank.

I will never ever use them or even let my family or friends use them. They are really very ridiculous and don't know want to help there clients.